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Tennessee SR-22 & High-Risk Auto Insurance

Tennessee requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. Filing typically lasts 3 years and costs $15–$50, but high-risk premiums average $2,400–$5,200 annually depending on violation type and driving history.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Tennessee requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. SR-22 filing is required following DUI convictions, driving without insurance, accumulating excessive violations, at-fault accidents while uninsured, or license suspensions. The Tennessee Department of Safety and Homeland Security mandates continuous SR-22 filing for 3 years from the date of reinstatement, and any lapse triggers immediate suspension.

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25/50/15
Liability Insurance
Tennessee's 25/50/15 minimums are mandatory for all drivers and serve as the foundation for SR-22 filings. For high-risk drivers, these minimums rarely provide adequate protection—medical costs from a serious accident in Nashville or Memphis easily exceed $25,000 per person, leaving you personally liable for the difference. Consider 50/100/50 or higher limits to protect assets and reduce financial exposure, especially since you're already paying elevated premiums due to your driving record.
Minimum 25/50/15
SR-22 Insurance
SR-22 is not a separate insurance policy but a certificate your carrier files with the Tennessee Department of Safety proving you maintain continuous coverage. Filing costs $15–$50 as a one-time or annual fee depending on the carrier, but the real cost is the elevated premium tied to your violation—DUI drivers typically see rates increase 80–150% compared to clean records. Non-standard carriers like The General, Direct Auto, and Safe Auto actively write SR-22 policies in Tennessee when standard carriers decline coverage.
Not required but available
Uninsured Motorist Coverage
Tennessee does not require uninsured motorist (UM) coverage, but approximately 20% of Tennessee drivers operate without insurance, among the highest rates in the Southeast. If an uninsured driver hits you while you're carrying SR-22, you're responsible for your own medical bills and vehicle damage unless you carry UM coverage. For high-risk drivers already paying elevated premiums, adding UM at 25/50 limits costs approximately $10–$25 per month and protects against out-of-pocket expenses from uninsured accidents.
Not required unless financed
Comprehensive Coverage
Comprehensive coverage pays for non-collision damage to your vehicle from theft, vandalism, weather, or animal strikes. Tennessee sees significant weather-related claims from hail and tornadoes, particularly in Middle Tennessee counties. If you're financing a vehicle while carrying SR-22, your lender requires comprehensive and collision coverage—expect deductibles of $500–$1,000 and premiums elevated 30–60% above standard rates due to your driving record.
Not required unless financed
Collision Coverage
Collision coverage pays for damage to your vehicle from accidents regardless of fault. For high-risk drivers with older vehicles worth under $3,000–$4,000, collision coverage may not be cost-effective since annual premiums plus the deductible often exceed the vehicle's value. If you're required to carry SR-22 and drive a financed or leased vehicle, collision is mandatory and typically adds $600–$1,200 annually on top of already-elevated liability costs.
State-Mandated Minimum Coverage · Tennessee

Tennessee Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$65

Meeting the state minimum keeps you legal. See whether it's enough — get your Tennessee quote.

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Cost Overview

High-risk drivers in Tennessee pay significantly more than those with clean records due to DUIs, violations, accidents, or SR-22 requirements. Average annual premiums for drivers requiring SR-22 range from $2,400 to $5,200 depending on violation type, with DUI offenders seeing the highest increases. Rates vary widely across Tennessee—urban areas like Nashville and Memphis tend to show higher premiums due to accident frequency and theft rates, while rural counties may offer modestly lower costs.

What Affects Your Rate

  • Type of violation: DUI convictions increase premiums 80–150%, while at-fault accidents or multiple tickets add 40–90%
  • Time since violation: Premiums decrease gradually as violations age, with noticeable reductions after 3–5 years
  • SR-22 filing requirement: Filing itself costs $15–$50, but the underlying violation drives the rate increase
  • Location within Tennessee: Nashville and Memphis show higher rates due to higher accident and theft frequency; rural counties like Perry or Decatur may be 15–25% lower
  • Credit-based insurance score: Tennessee allows carriers to use credit in underwriting, which disproportionately impacts high-risk drivers with financial instability
  • Vehicle type and age: Older vehicles without comp/collision requirements lower total premiums, while financed newer vehicles require full coverage at elevated rates
Minimum Liability (25/50/15)
$200–$435/mo
State-minimum liability with SR-22 filing for drivers with DUI, multiple violations, or suspensions. This tier provides legal compliance but minimal financial protection and is typical for drivers using non-standard carriers.
Standard Coverage (50/100/50)
$250–$520/mo
Increased liability limits with SR-22, offering better protection for drivers with assets to protect. Premiums reflect elevated risk but provide more realistic coverage for serious accidents common on Tennessee highways.
Full Coverage with Comp/Collision
$300–$650/mo
Comprehensive and collision coverage added to liability and SR-22, required for financed or leased vehicles. High-risk drivers face elevated deductibles ($500–$1,000) and premiums that reflect both the violation and vehicle value.

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Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Tennessee's 25/50/15 minimums are often insufficient for serious accidents—medical bills and vehicle damage easily exceed these limits on I-40 or I-24 collisions.

SR-22 Filing

Certificate filed by your carrier proving you maintain continuous coverage following a DUI, suspension, or uninsured accident. Filing costs $15–$50, but your violation increases the underlying premium significantly.

Uninsured Motorist Coverage

Pays for your injuries and vehicle damage when an at-fault driver has no insurance. Tennessee has an uninsured driver rate near 20%, creating significant financial risk if you're hit by an uninsured motorist.

Comprehensive Coverage

Covers non-collision damage like theft, hail, vandalism, or animal strikes. Tennessee's tornado and hail activity in Middle Tennessee makes comprehensive valuable for protecting your vehicle investment.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. For high-risk drivers with older vehicles, collision may not be cost-effective if annual premiums exceed the vehicle's actual cash value.

Non-Standard Auto Insurance

Policies designed for drivers with DUIs, suspensions, lapses, or poor credit who cannot secure coverage from standard carriers. Non-standard carriers in Tennessee include The General, Direct Auto, Safe Auto, and Acceptance Insurance.

Find Your City in Tennessee

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Nashville

urban
Memphis, Tennessee cityscape and street view

Memphis

urban
Knoxville, Tennessee cityscape and street view

Knoxville

urban
Chattanooga, Tennessee cityscape and street view

Chattanooga

urban
Clarksville, Tennessee cityscape and street view

Clarksville

suburban
Murfreesboro, Tennessee cityscape and street view

Murfreesboro

suburban
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Franklin

suburban
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Jackson

urban
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Johnson City

urban
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Hendersonville

suburban
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Kingsport

urban
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Maryville

suburban

Frequently Asked Questions

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